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QPMJDZIPMEFS!OPUJDF <br />DBMJGPSOJB!XPSLFST(!DPNQFOTBUJPO <br />JOTVSBODF!SBUJOH!MBXT <br />PrsanttoSection112.8ofteCaliforniaInsrancepremimtoreflectyorclaimistory.Aetterclaim <br />Code,weareproidingyowitaneplanationofteistorygenerallyresltsinalowereperiencerating <br />California worers compensation rating laws.modificationmoreclaims,ormoreepensie <br />claims,generallyresltinaigereperiencerating <br />modification.Teniformeperienceratingplan, <br />1.Weestalisorownratesforworers <br />wicisdeelopedyteinsrancerating <br />compensation.Orrates,ratingplans,andrelated <br />organiationdesignatedyteinsrance <br />informationarefiledwitteinsrance <br />commissioner,issecttoapproalyte <br />commissioner and are open for plic inspection. <br />insrance commissioner. <br />2.Teinsrancecommissionercandisapproeor <br />.Astandardclassificationsystem,deelopedyte <br />rates,ratingplans,orclassificationsonlyifeorse <br />insranceratingorganiationdesignatedyte <br />asdeterminedafterplicearingtatorrates <br />insrancecommissioner,issecttoapproaly <br />migteopardieorailitytopayclaimsorcreatea <br />teinsrancecommissioner.Testandard <br />monopolyintemaret.Amonopolyisdefinedy <br />classificationsystemisametodofrecogniingand <br />lawasamaretwereoneinsrerwrites20or <br />separatingpolicyoldersintoindstryor <br />moreoftatpartofteCaliforniaworers <br />occpationalgropsaccordingtoteirsimilarities <br />compensationinsrancetatisnotwrittenyte <br />and/ordifferences.Wecanadoptandapplyte <br />StateCompensationInsranceFnd.Ifte <br />standardclassificationsystemordeelopandapply <br />insrancecommissionerdisapproesorrates, <br />orownclassificationsystem,proidedwecan <br />ratingplans,orclassifications,eorsemayorder <br />reporttepayroll,epenses,andotercostsof <br />anincreaseinteratesapplicaletootstanding <br />claimsinawaytatisconsistentwitteniform <br />policies. <br />statistical plan or te standard classification system. <br />3.Ratingorganiationsmaydeelopprepremim <br />6.Orratesandclassificationsmaynotiolatete <br />ratestataresecttoteinsrance <br />nr Ciil Rigts Act or e nfairly discriminatory. <br />commissionersapproal.Aprepremimrate <br />reflectsteanticipatedcostandepensesofclaims <br />per100ofpayrollforagienclassification.Pre.Wewillproideanappealprocessforyotoappeal <br />premimratesareadisoryonly,aswearenottewaywerateyorinsrancepolicy.Teprocess <br />reiredtoseteprepremimratesdeelopedyreiresstorespondtoyorwrittenappealwitin <br />any rating organiation in estalising or own rates.30days.Ifyoarenotsatisfiedwitteresltof <br />yorappeal,yomayappealordecisiontote <br />insrance commissioner. <br />4.Wemstaderetoasingle,niformeperience <br />ratingplan.Ifyoareeligileforeperiencerating <br />nder te plan, we will ereired toadst yor <br />Gpsn!QO!15!::!13!C!)Fe/!6.13*Printed in .S.A.Qbhf2!pg3 <br /> <br />